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The Empower way

Everything we do is designed to support your financial success as you prepare for retirement and all of your financial goals. Listening to what matters to you and helping you be ready for all of life's moments, big and small, that is the Empower way. It's why over 17 million Americans trust us with their savings.¹

Here's what you can expect:

Advice just for you

Get personalized guidance, straightforward solutions and actionable information that helps get you closer to your financial goals.

A personalized financial experience

See a complete picture of your accounts in one place with a single login. Plus access tools designed to help you track, manage and plan your finances.

Exclusive loyalty benefits

Gain access to benefits and perks as a reward for being a valued customer.

Low fees and discounts

Enjoy low investing fees and exclusive discounts on financial products that help set you up for success.

What we offer

Empower Premier IRA

Save for retirement with straightforward help and advice on your financial goals. There are no annual fees, access to over 150 mutual funds, guaranteed income and professional investing advice.

Empower Brokerage IRA

If you like selecting and monitoring your own investments, our Brokerage IRA has commission-free stock and exchange traded funds trading² as well as access to thousands of no transaction fee mutual funds.

Empower Investment Account

Whatever your goals might be, an Empower Investment Account can help get you there. You’ll get commission-free stock and exchange traded funds trading² plus the option for a professionally managed account.

Empower Private Client Solution

This exclusive, customized portfolio and dedicated advisor team specializes in what matters most to you. Let us help optimize your portfolio and more.

Even more ways we can help

Personalized financial advice

Debt and savings solutions

Reduce debt payments through loan consolidation

Learn more

Find a credit card with the perks and benefits you prefer

Learn more

Earn a higher rate on your hard-earned savings

Learn more

Healthcare and education resources

Free Medicare consultations

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Help with paying off student debt

Financial security solutions

Discounted credit and identity monitoring

Learn more

Simplified online password management

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Empower Security Guarantee

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Create trust, will or guardian documents and save 10%

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Compare offers from multiple life insurance providers

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Here's what people are saying about working with us

84%

felt more confident about their retirement.³

86%

felt they gained more knowledge.³

88%

would recommend someone they know to Empower³

We provide assistance through every step of your financial journey

We are committed to helping you achieve all of your financial goals. Everything we do strives to fulfill this mission.

For questions about how we can help you, call us at 866-317-6586.

Get Started

Exclusive loyalty benefits for our customers

Now is a good time to open an Empower IRA. At Empower, we help you through every step of your retirement savings journey.

You get features and benefits depending on which tier you fall into based on your account balance - Platinum, Gold or Silver. This may include a dedicated retirement advisor, financial planning and a wealth of online resources.

You could also use your IRA to consolidate additional assets that might take you to the next tier and help you get more out of your relationship with Empower.

Feature	Silver Up to $99,999	Gold $100,000-$249,999	Platinum $250,000 or more
Welcome call from an Empower consultant	✓	✓	✓
No administrative fees in Premier IRA (Other fees may apply)⁴	✓	✓	✓
Free online trading of stocks and exchange-traded funds (ETF's) in brokerage accounts²	✓	✓	✓
Quarterly e-newsletter	✓	✓	✓
Online tools, education and resources	✓	✓	✓
30% discount on credit monitoring and identity protection from Experian	✓	✓	✓
Industry market updates and webcasts	✓	✓	✓
Dedicated retirement advisor Includes initial and ongoing consultations on your investments and financial strategy		✓	✓
Reduced fees for managed accounts		✓	✓
Free Medicare consultations⁵	✓	✓	✓
Comprehensive financial planning with certified professionals⁶	Low cost	Low cost	Free
Access to loan, credit card, life insurance, high-yield savings and online security offers⁷	✓	✓	✓
Discounted estate planning services from Trust & Will^7,8	✓	✓	✓

There is no guarantee provided by any party that participation in any of the advisory services will result in a profit.

1 As of April 1, 2022. Information refers to all retirement business of Empower Annuity Insurance Company of America (EAIC) and its subsidiaries, including Empower Retirement, LLC; Empower Life & Annuity Insurance Company of New York (ELAINY); and Prudential Retirement Insurance & Annuity Company (PRIAC), marketed under the Empower brand.

2 The first one thousand trades (1,000) placed online each calendar year are $0; thereafter, each online trade will be charged $6.95.

3 Empower satisfaction survey and IVR data as of June 2022.

4 Additional transaction fees may apply depending on trading activity.

5 Medicare consultation services are provided by Extend Insurance Services, LLC d/b/a Via Benefits Insurance Services, which is not affiliated with Empower Retirement, LLC or its affiliates. Empower may receive referral payments from Via Benefits. Medicare has neither reviewed nor endorsed this information. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice.

6 Empower Advisory Group, LLC, a registered investment adviser, provides financial planning services using the MoneyGuidePro tool. MoneyGuidePro is not affiliated with Empower Retirement, LLC and its affiliates. Empower Retirement, LLC and its affiliates are not responsible for the third-party content provided.

7 Empower Premier IRA includes some products and services (“products”) made available by third-party providers. Empower Retirement, LLC and its affiliates are not affiliated with the third-party providers or responsible for the products available or the information or content provided. Empower may receive referral payments from the third-party providers.

8 The estate planning information from Trust & Will is provided for informational purposes only, and should not be construed as legal advice. This is not a referral service. Empower Retirement, LLC is not affiliated with Trust & Will.

Your financial future is our priority

The Empower way

Here's what you can expect:

Advice just for you

A personalized financial experience

Exclusive loyalty benefits

Low fees and discounts

What we offer

Empower Premier IRA

Empower Brokerage IRA

Empower Investment Account

Empower Private Client Solution

Even more ways we can help

Personalized financial advice

Get a dedicated team of Empower Advisors

Receive comprehensive financial planning

Take advantage of professionally managed accounts

Debt and savings solutions

Reduce debt payments through loan consolidation

Find a credit card with the perks and benefits you prefer

Earn a higher rate on your hard-earned savings

Healthcare and education resources

Free Medicare consultations

Help with paying off student debt

Financial security solutions

Discounted credit and identity monitoring

Simplified online password management

Empower Security Guarantee

Create trust, will or guardian documents and save 10%

Compare offers from multiple life insurance providers

Here's what people are saying about working with us

We provide assistance through every step of your financial journey

Exclusive loyalty benefits for our customers

Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower for a prospectus, summary prospectus for SEC-registered products or disclosure document for unregistered products, if available, containing this information. Read each carefully before investing.